Summary of benefits:

I. Health insurance

• out-patient treatment by a doctor
• in-patient treatment at a hospital (general nursing class)
• medically necessary rehabilitation measures (follow-up treatment)
• transportation costs to hospital for medical reasons
• 100 % cost cover for medications and remedies
• replacement of accident-related medical aids up to € 250.00 (not including visual aids)
• pregnancy examinations and treatment (€ 50.00 deductible per pregnancy examination) – as long as the insured is not pregnant on commencement of cover or at the time of applying for renewal of cover – plus delivery (8 month waiting period, € 250.00 deductible per insured event)
• analgesic dental treatment – 100 % (up to € 250.00 - above that 50 %)
• costs of repatriation for medical reasons, up to max.€ 10,000.00
• repatriation costs/funeral expenses in event of the death of the insured person, up to € 10,000.00
• up to 4 weeks secondary liability
• up to 6 weeks per year insurance cover in own country

The tariff provides for a general deductible of € 50.00 per claim. Costs will be reimbursed at up to 1.8 times the rate of the scale of fees (GOÄ/GOZ).
For a complete list of benefits see the general insurance conditions (AVB)..

• 50 % of the costs of dental prosthesis up to max. € 500.00 within two years of insurance term (8 months qualifying period for dental prosthesis)
• costs of repatriation for medical reasons, 100 %
• no deductible except for gynaecological examinations or deliveries
• reimbursement takes place within the framework of the scale of fees (GOÄ resp. GOZ) without limitation to 1.8 times the rate.
• credit note for one month's premium if no claims within 12 months

For a complete list of benefits see the general insurance conditions.

• 100 % basic version accident-related medical aids
• up to € 100.00 visual aids (3 months qualifying period)
• 100% of the costs of accident-related dental prothesis up to max. € 2,500.00
• 70 % of the costs of dental prosthesis up to max. € 1,000.00 within two years of insurance term (8 months qualifying period for dental prosthesis)
• repatriation costs/funeral expenses in event of death of the insured, up to € 15,000.00
• up to 8 weeks secondary liability
• no deductible except for deliveries
• credit note for one month's premium if no claims within 12 months

For a complete list of benefits see the general insurance conditions.

• available 24 hours a day, 365 days a year
• answers to questions on existing insurance cover and benefits
• information on medical treatment at home and abroad
• list of registered doctors, hospitals and special clinics with relevant language skills
• list of emergency doctors, dentists and chemists
• list of solicitors
• assistance in event of language problems, e.g. at the doctor's surgery or the hospital
• general information on types of illness, possible causes and treatment options
• notification of relatives abroad upon request
• organisation of rescue flights and return home

1. Who can take out Care College Basic/Comfort/Premium insurance?
   
   For the purposes of training or further education
   
   • Foreign nationals travelling temporarily to Germany or EU / Schengen states;
   • Foreign nationals living in Germany or Austria and intending to travel abroad temporarily except to the USA, Canada and Mexico (NAFTA);
   • German or Austrian nationals travelling abroad temporarily - except to the USA, Canada and Mexico (NAFTA);
   • German or Austrian nationals living abroad for at least two years and travelling temporarily to Germany or EU / Schengen states
   can insure themselves via Care College Basic/Comfort/Premium. The insured person must be at least 12 and no more than 35 years of age when cover begins or on renewal of cover. The policyholder must be at least 18 years of age.
   Note: The main reason for the stay abroad must be training and/or further education.
   
2. Applicability
   The insurance applies only during the stay in Germany, EU / Schengen states or abroad, as applicable (the countries of the North American Free Trade Area NAFTA: USA, Canada, Mexico are excepted). The insurance cover also applies if the stay abroad includes stays in more than one host country and a move to different countries is necessary as part of the language learning process or study/training. Brief stays in the home country and in third countries of up to 6 weeks per insurance year (insurance year: 12 months from commencement of cover) are possible.
   
3. How is the insurance cover taken out?
   All you need to do is complete the direct debit order and forward it to us. Once we receive your application, you will then also receive the insurance certificate by e-mail together with treatment vouchers to be given to a doctor. You will always receive your insurance card by post.
   We will then debit the premium(s) from your account in accordance with your chosen payment interval giving your policy number(s).
   You must apply for any renewal in written form before coverage expires.

4. Duration of insurance and waiting periods
   The insurance policy must be taken out for the full duration of the stay. It begins and ends
   on the dates stated in the insurance certificate; it should be taken out within 31 days of entry
   into the Federal Republic of Germany or EU/Schengen states or rather before the start of the journey abroad; it ends with regard to the health insurance after 4 years at the latest.

   If you have already left the country, or entered the country more than 31 days ago, you can nonetheless take out insurance. In this case a general qualifying period of 31 days applies merely to the health insurance. There is no qualifying period for accidents, or if you can demonstrate prior cover immediately preceding the new policy.
   

5. Renewal (follow-on policy)
   Should your stay last longer than planned you can simply take out a follow-on policy. But the application must be send to Care Concept AG online-form with the following link: https://www.care-concept.de/krankenversicherung/sprachschueler_und_studenten/online_verlaengerung_eng.php before expiry of the original policy and the insurer must explicitly approve it. Any follow-on policy must start immediately at the end of the previous policy. If you apply for renewal later, a new waiting period of 31 days from commencement of the renewal applies, so it makes sense to conclude longer terms from the outset. In total, you can insure yourself for a maximum of four years – including all renewals – in the health insurance.
6. Termination - Cancellation
   Premature termination is possible if the insured person
   
   • leaves Germany or EU/Schengen states, or returns from the foreign trip, prematurely, or
   • becomes subject to social security insurance in the host country, or
   • no longer meets a condition for continuation of the policy, e.g. regarding the health insurance on ending of the further education course.
   The policy can be terminated at the earliest on the date on which Care Concept AG in text form receives the corresponding notification. An administration fee of € 5.00 will be charged on every refund of premium paid in excess.

In the event of further questions Care Concept AG is only too pleased to be of service on the
following free numbers from the fixed-line telephone network in Germany.
Phone: 0800 9773500 Fax: 0800 9773535

Otherwise dial:
Phone: +49 228 97735-11 Fax: +49 228 97735-911
e-mail:

• Illnesses and consequences of accidents, treatment of which abroad was the sole reason, or one of the reasons, for starting the journey
• Costs for illnesses, complaints and consequences of accidents that already exist, or are known, on commencement of cover or renewal, and the consequences of such illnesses and accidents that have been treated within the last six months before commencement of cover or renewal, exceed € 30,000.00*
• Examinations and treatment of pregnancies that already existed prior to commencement of cover and/or on application for policy renewal
• Termination of pregnancies and contraception
• Optional services in hospitals
• Aids not due to accidents
• Psychotherapy / psychoanalysis treatment
• Drug withdrawal measures, cures and sanatorium treatment
• Cosmetic treatment (e.g. scar corrections, non-essential acne and wart removals etc.)
• Medical check-ups, vaccinations
• Plaque removal, paradontosis treatments
• Orthodontic treatment, dental braces, implantological and gnathological measures
• Examinations for the purposes of obtaining a residence permit
• Certificates and expert opinions

The original doctors’ bills or notifications of damages should be submitted
quoting the insurance policy no.:


Care Concept AG | Postfach 33 01 51 | 53203 Bonn
Phone: 0800 9773500 or +49 228 97735-22 | Fax: 0800 9773535 or +49 228 97735-922
e-mail:

Please always carry the insurance card with your personal details with you in case of emergencies. This was sent to you with the confirmation by post. Our telephone number is also stated on the card. If you have any questions about the insurance cover or other insurance procedures, please call the
(from the German fixed line network free) service number stated above.


In event of liability
In event of liability claims no acceptance of fault should be indicated to the injured party. Care Concept AG will alone investigate which party is at fault.

In event of accident
If the accident should result in death, this fact is to be communicated to Care Concept AG within 48 hours at the latest, even if the accident has already been reported.

In event of illness
If you need out-patient treatment, please present the treatment ticket sent to you with the confirmation – and signed by you – to the doctor. In order to save you unnecessary administrative expenses, we pay the benefits from the policy in Germany and Austria direct to the doctor, after deducting any applicable deductibles.If undergoing in-patient treatment please get the hospital to request a cost acceptance declaration from Care Concept AG on fax number + 49 228 97735-922.Prescription charges incurred – where you are entitled to them – will be reimbursed to the account number provided to us by the policyholder once we have received the corresponding medical invoices.
Note: For treatment abroad, please send the originals of any bills you have paid to Care Concept AG in Bonn. Please ensure that the doctor makes a note of the diagnosis on the documents. Any reimbursement will then be made to the policyholder’s account number in our possession.

Study carefree and enjoy excellent insurance all round!

If you want to study in Germany later, you must as a rule be insured via a statutory health insurance fund (also see page 48: Extracts from the German Social Security Code). We give you the opportunity to then move seamlessly into a statutory health insurance fund.

To make it easy for you, we offer you a special service: For enrolment at a college or university you need a certificate from a statutory health insurance fund. We organize that for you.

Your benefits

• optimum insurance cover from the very first day from a single source
• foreign language support
• inexpensive premium with outstanding service

Premiums

The German Ministry of Health establishes the premium for student health insurance and nursing insurance uniformly and at the same level for all statutory health insurance funds. As an example, for the summer semester 2013 these are

- for health insurance € 64,77 per month
- for nursing insurance € 12,24 per month or € 13,73 (for persons without children from 23 years of age).

It’s this simple

With us you enjoy complete insurance cover from the first day of the semester with all the added features in benefits and services. The college then reports to the health insurance fund that you have started your studies.

Without this confirmation you cannot start studying!

In the event of further questions Care Concept AG is only too pleased to be of service on the
following free numbers from the fixed-line telephone network in Germany:
Phone: 0800 9773500
Fax: 0800 9773535

Otherwise dial:
Phone: + 49 228 97735-44
Fax: + 49 228 97735-944
e-mail:

Further information: statutory health insurance for students

  Download description health insurance for language pupils and students (PDF 121KB)